Hi We had exactly the same letter today with £900 added to it. I am going to ignore it still taking the advice of all the fine people I have seeked help from including this site and travel advisor forum. I am sure we both feel as vulnerable as each other. I still dont want these people to win so hang in there and we will beat the b*****ds Great regards

Two feet is the thread above telling us we have not got any hope as the law on 23rd Feb was not in when we agreed terms or they can do nothing? Betsy

No it is a holiday club As below Myself and my husband were in Benidorm between the 16th 23rd December. On the 21st we were approached by someone in the town who asked us where we were staying and if we were enjoying it etc. She then said pick a ticket out of an envelope. The prize was a bottle of wine, she then said "Oh go on pick another" It was a Gold ticket which she got very excited about and jumped up and down saying we have either won a £1000 euros or a holiday for 4. She scooped us up into a taxi and took us across town. We were welcomed by a women who said she wont keep us a minute and then took us into a room. we were sat at a desk with a women who gave us great quotes on reduced cost hols comared to what we normally pay. Become a life member of Pioneer Trave club for £5995 you will make your money back in the first few years. There was a deposit of £1000. We did not have that money or afford the lifetime membership. She reduced it to 10 yrs at £3995 and £500 deposit. We stupidly agreed and paid the deposit on Debit card owing £3495 which they were going to get a Finance company to contact us to arrange paying them the £3495 then paying the finance £64 a month. On our return to England we looked up the club to see lots of forums calling it a [problem]. It was Xmas so I did not check the back of the contract immediatly. When I did I found the cool off period was 7 days in writing. Well Xmas was here and it would not of got to Spain in time. We had missed the deadline. We e mailed the company and said we would not be paying the rest of the £3495 or go into any agreement with the finance company. We said we understand we forgo the deposit. They have now said they will persue us for the £3495 through a UK debt collector and they always follow through agreements made that are after the cool off period. WHAT DO I DO NEXT HELP

No it is a holiday club As below Myself and my husband were in Benidorm between the 16th 23rd December. On the 21st we were approached by someone in the town who asked us where we were staying and if we were enjoying it etc. She then said pick a ticket out of an envelope. The prize was a bottle of wine, she then said "Oh go on pick another" It was a Gold ticket which she got very excited about and jumped up and down saying we have either won a £1000 euros or a holiday for 4. She scooped us up into a taxi and took us across town. We were welcomed by a women who said she wont keep us a minute and then took us into a room. we were sat at a desk with a women who gave us great quotes on reduced cost hols comared to what we normally pay. Become a life member of Pioneer Trave club for £5995 you will make your money back in the first few years. There was a deposit of £1000. We did not have that money or afford the lifetime membership. She reduced it to 10 yrs at £3995 and £500 deposit. We stupidly agreed and paid the deposit on Debit card owing £3495 which they were going to get a Finance company to contact us to arrange paying them the £3495 then paying the finance £64 a month. On our return to England we looked up the club to see lots of forums calling it a [problem]. It was Xmas so I did not check the back of the contract immediatly. When I did I found the cool off period was 7 days in writing. Well Xmas was here and it would not of got to Spain in time. We had missed the deadline. We e mailed the company and said we would not be paying the rest of the £3495 or go into any agreement with the finance company. We said we understand we forgo the deposit. They have now said they will persue us for the £3495 through a UK debt collector and they always follow through agreements made that are after the cool off period. WHAT DO I DO NEXT HELP

Pioneer-travel-problem-PLEASE-HELP Asa per thread above I recieved a registered letter of Default last week that I did not sign for so it was returned to the Post Office. I know it was a letter of default as I now have recieved a letter from Marketing Systems Update S.I This was the company that sold us the Pioneer Travel holiday Club which we now owe £3495 for. The letter said as we have defaulted on the agreement they are passing our debt to Federal Managment LTD in the UK to persue our debt. They have said that this debt collection agency will add both interest and charges to the debt so we should contact them immediatly to prevent this. Can a debt collector add interest and charges? I am continually anxious about this whole mess.

Pioneer-travel-problem-PLEASE-HELP Asa per thread above I recieved a registered letter of Default last week that I did not sign for so it was returned to the Post Office. I know it was a letter of default as I now have recieved a letter from Marketing Systems Update S.I This was the company that sold us the Pioneer Travel holiday Club which we now owe £3495 for. The letter said as we have defaulted on the agreement they are passing our debt to Federal Managment LTD in the UK to persue our debt. They have said that this debt collection agency will add both interest and charges to the debt so we should contact them immediatly to prevent this. Can a debt collector add interest and charges? I am continually anxious about this whole mess.

We missed a registered letter yesterday that is now back at the post office. I presume this would be the default notice you recieved. Shall we pick it up or just let it sit and rot at the post office? Was the letter from George? Who did you get your advice from if you dont mind me asking?

We missed a registered letter yesterday that is now back at the post office. I presume this would be the default notice you recieved. Shall we pick it up or just let it sit and rot at the post office? Was the letter from George? Who did you get your advice from if you dont mind me asking?

dont know but on back of agreement it says 7 days in writing. 14 days would have been up on the 4th.

dont know but on back of agreement it says 7 days in writing. 14 days would have been up on the 4th.

Myself and my husband were in Benidorm between the 16th 23rd December. On the 21st we were approached by someone in the town who asked us where we were staying and if we were enjoying it etc. She then said pick a ticket out of an envelope. The prize was a bottle of wine, she then said "Oh go on pick another" It was a Gold ticket which she got very excited about and jumped up and down saying we have either won a £1000 euros or a holiday for 4. She scooped us up into a taxi and took us across town. We were welcomed by a women who said she wont keep us a minute and then took us into a room. we were sat at a desk with a women who gave us great quotes on reduced cost hols comared to what we normally pay. Become a life member of Pioneer Trave club for £5995 you will make your money back in the first few years. There was a deposit of £1000. We did not have that money or afford the lifetime membership. She reduced it to 10 yrs at £3995 and £500 deposit. We stupidly agreed and paid the deposit on Debit card owing £3495 which they were going to get a Finance company to contact us to arrange paying them the £3495 then paying the finance £64 a month. On our return to England we looked up the club to see lots of forums calling it a [problem]. It was Xmas so I did not check the back of the contract immediatly. When I did I found the cool off period was 7 days in writing. Well Xmas was here and it would not of got to Spain in time. We had missed the deadline. We e mailed the company and said we would not be paying the rest of the £3495 or go into any agreement with the finance company. We said we understand we forgo the deposit. They have now said they will persue us for the £3495 through a UK debt collector and they always follow through agreements made that are after the cool off period. WHAT DO I DO NEXT HELP

Myself and my husband were in Benidorm between the 16th 23rd December. On the 21st we were approached by someone in the town who asked us where we were staying and if we were enjoying it etc. She then said pick a ticket out of an envelope. The prize was a bottle of wine, she then said "Oh go on pick another" It was a Gold ticket which she got very excited about and jumped up and down saying we have either won a £1000 euros or a holiday for 4. She scooped us up into a taxi and took us across town. We were welcomed by a women who said she wont keep us a minute and then took us into a room. we were sat at a desk with a women who gave us great quotes on reduced cost hols comared to what we normally pay. Become a life member of Pioneer Trave club for £5995 you will make your money back in the first few years. There was a deposit of £1000. We did not have that money or afford the lifetime membership. She reduced it to 10 yrs at £3995 and £500 deposit. We stupidly agreed and paid the deposit on Debit card owing £3495 which they were going to get a Finance company to contact us to arrange paying them the £3495 then paying the finance £64 a month. On our return to England we looked up the club to see lots of forums calling it a [problem]. It was Xmas so I did not check the back of the contract immediatly. When I did I found the cool off period was 7 days in writing. Well Xmas was here and it would not of got to Spain in time. We had missed the deadline. We e mailed the company and said we would not be paying the rest of the £3495 or go into any agreement with the finance company. We said we understand we forgo the deposit. They have now said they will persue us for the £3495 through a UK debt collector and they always follow through agreements made that are after the cool off period. WHAT DO I DO NEXT HELP